Mid Oregon Credit Union

RATE SCHEDULE

Free Checking
Account

Affinity Checking
Account

Money Market
Checking Account

Small Business
Checking Account

DIVIDENDS
Dividend Rate/Annual Percentage Yield

N.A.

N.A.

0.80% APY

N.A.

BALANCE REQUIREMENTS

Minimum Opening Deposits

--

--

$15,000.00

--

Minimum Balance to Avoid a Service Fee

--

--

$15,000.00

$1,000.00

Minimum Balance to Earn the Stated APY

--

--

$15,000.00

--

Balance Method

--

--

Daily Balance

--

ACCOUNT LIMITATIONS

--

--

--

See section 6 below

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

1. Rate Information.The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Money market Checking accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Dividend Compounding and Crediting. For Money Market Checking accounts, the compounding and crediting of dividends and dividend period is monthly. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.

4. Accrual of Dividends.For Money Market Checking accounts, dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to your account.

5. Balance Information. To open any account, you must deposit or already have on deposit at least the par value of one full share in any account. The par value is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Money Market Checking and Small Business Checking accounts, there is a minimum balance required to avoid a service fee for the statement period. If the daily balance is not met, there will be a service fee as set forth on the reverse side. For Money Market Checking accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day. For Money Market Checking accounts, a minimum balance of $15,000.00 must be maintained in order to receive dividends. If you do not meet the minimum daily balance, you will not earn dividends for that day.

6. Account Limitations. For Small Business Checking accounts, no more than 25 items may be deposited per calendar month. If you exceed these limitations, your account may be subject to an additional fee or be closed.

Fee Schedule

Checking Account Fees

Fees for Premium, Check Card, Classic and Basic Checking accounts will continue to apply to existing accounts as previously disclosed.

• Courtesy Pay fee

$20.00 per item.

• Overdraft Transfer fees:

$ 5.00 per item.

• NSF fee:

$20.00 per item.

• Stop Payment fee

$20.00 per request

• ACH Stop Payment fee

$20.00 per request.

• Check Printing fee

Prices may vary depending upon style

• Postdated Item Request fee

$20.00 per request; $20.00 per each return.

• Small Business Checking Account fee

$ 6.00 per month if the minimum balance is not maintained.

• Money Market Checking Account Service fee

$10.00 per month if the minimum balance is not maintained.

• Check Copy fee

$ 1.00 per item.

Other Service Fees (applicable to all accounts)

• Account Reconciliation fee

$20.00 per hour.

• Traveler’s Check fee

$ 1.50 per $100.00.

• Account Research fee

$20.00 per hour.

• Traveler’s Check for Two fee

$ 2.50 per $100.00.

• Statement Returned fee

$ 5.00 per statement.

• Traveler’s Gift Checks fee

$ 2.50 per check.

• Statement Copy fee

$ 3.00 per statement.

• Inactive Account fee

$ 6.00 per month after one (1) year.

• Mid-Month Statement Printout fee

$ 1.00 per statement.

• Telephone Transfer fee

$ 2.00 per transfer after three (3) transfers per month.

• Copy of Cashier’s Check

$ 3.00.

• Account Closure Fee

$ 5.00 if closed within ninety (90) days.

• Deposited Item Return fee

$20.00 per item.

• Account Reopening fee

$25.00 within six (6) months of closing.

• Items sent for Collection fee

$20.00 per item.

• Fax Fee

• Wire Transfer (incoming) fee

$ 8.00 per transfer.

Sending

$ 3.00 first page, additional pages $1.00.

• Wire Transfer (outgoing) fee

$17.00 per transfer.

Receiving

$ 2.00 any length.

• Wire Transfer (International) fee

$35.00 per wire.

• Cash Withdrawal fee

$ 2.00 per withdrawal after five (5) per month.

• Western Union Commercial Money Order fee

$25.00 per wire.

• Checks Cashed w/o Compensating Balances

$ 3.00.

• Cashier’s Check fee

$ 3.00 per item.

• Legal Process fee

$20.00

Electronic Funds Transfer Fees

Share Value

• Card Replacement

$ 5.00 per card.

• Par Value of one share

$ 5.00.

• PIN Reissue

$ 5.00 per reissue.

• Rush Card Replacement

$30.00 per card.

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Truth in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.